Spot | Pet Insurance Review

4.6

out of 5

Number of reviews 9,968

Spot is committed to helping pets lead longer, healthier lives by providing pet health insurance with best-in-breed service and high-quality coverage.  This is especially important at a time when vet care is becoming more expensive each year. Spot’s focus is to provide pet owners with the tools to help create a world of healthier pets and happier owners. Our pets are part of our pack, and it’s important to treat them with the same respect as our human family. A big part of that is to provide proper healthcare for our furry friends and enable a healthy lifestyle for pet families at both ends of the leash. With the costs of today’s pet care, having Spot in your corner is helpful for your pet’s health and wellness needs. Spot policies help cover a wide range of covered conditions such as accidents, illnesses, medications, diagnostics, exams for covered conditions, and treatment—even alternative therapies. Spot also provides preventative plans, which include dental cleanings, vaccinations, flea prevention and more for a little extra cost! Spot wants pet parents to worry less and play more with their furry family. Discover the peace of mind of having Spot Pet Insurance.
2

out of 5

POSTED: | BY: C Schwarz

Not worth it in the slightest

I switched to Spot Pet Insurance from Lemonade due to horrible customer service issues at Lemonade. At least Lemonade actually reimbursed (usually in less than 48hrs) you decently for preventative care. My dog just had a $400 vet visit, including flea/heartworm preventative, bloodwork & a couple updates on her vaccines. I was reimbursed LESS THAN HALF of the bill (& it took nearly a week via direct deposit, WTH?!). This company is as bad as human insurance companies...they don't care that we're trying to keep our pets healthy, they are crisis care if even that much.
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5

out of 5

POSTED: | BY: Miguel Ramos

Excellent service and great coverage

Excellent service and great coverage! Spot Pet Insurance made it easy to get my claims processed without hassle. Highly recommended for any pet owner
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5

out of 5

POSTED: | BY: Carol

Easy and quick.

Easy to submit claim. Quick to be processed. I recommend SPOT. Thank you
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5

out of 5

POSTED: | BY: Amber H

Quick and easy

It's been a solid experience so far. Uploading the claim is straightforward and easy. It's processed efficiently, and the covered amount is received in a timely manner.
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5

out of 5

POSTED: | BY: Kitty SMN

The customer support people who helped…

The customer support people who helped me through a recent situation were friendly and did a good job of explaining what was going on. I am new to the plan and really appreciated the help. The process of posting my claim online was easy to navigate even the first time.
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Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). plan costs vary based on plan type, pet breed, age, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Payout Limits

Annual limits can be set by the customer, ranging from $2,500 to $20,000, including an unlimited option. No lifetime limits.

Deductible

$100, $250, $500, $750 or $1000 annually.

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

There are no waiting periods for preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.

Exclusions

Pre-existing conditions, cosmetic procedures and breeding costs are not covered. Spot Pet Insurance has two Preventive Care plans that can be added to help cover a pet’s wellness care, including annual exams, vaccinations, tests, dental cleanings and flea/heartworm preventive. Preventive Care plans reimburse up to a set amount for each listed treatment. If your pet exhibited symptoms of a knee and ligament condition at any time, prior to enrollment or during a waiting period, all ligament and knee conditions will be excluded. Ligament and Knee are conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee. Accident-Only coverage available. for a full list of exclusions visit spotpetins.com/sample-policy
Spot Pet Insurance detail
Spot Pet Insurance is committed to helping pets lead longer, healthier lives by providing pet insurance with affordable and customizable plan options. Plans cover accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice. Preventive Care is available at an additional cost. Policyholders can use any licensed vet, including coverage eligible mobile and virtual vets. Insurance plans are underwritten by United States Fire Insurance Company. Insurance plans are marketed and produced by Spot Insurance Services, LLC. (NPN # 19246385)
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